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            <div class="news-title">个人收款码VS商家收款码区别|爱智付刷脸支付</div>
            <div class="news-time">2019-12-04</div>
            <div class="news-info">
                <p>现在大街小巷大小店铺都用二维码支付，稍加留意就会发现，有的二维码可以用花呗信用卡支付，而有的则只能用银行卡或账户余额支付。</p>
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                <p>之所以有这种区别，是因为有的商家用的是个人收款码，而有的用的是商家收款码，两者都有哪些区别？爱智付刷脸支付为您详解。</p>
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                <p class="news-big-title">一、个人收款码</p>
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                <p>适用于日交易流水较小的小微商家，自行打印个人收款码即可满足日常收款需求。</p>
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                <p class="font-bold">个人收款码有3个局限性：</p>
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                <p>1.微信只能扫微信的码，支付宝只能扫支付宝的码；</p>
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                <p>2.只能消费者自动去扫商家的收款码（主扫）；</p>
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                <p>3.收款金额有上限。</p>
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                <p class="font-bold">个人收款码存在风险：</p>
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                <p>1.没有明确的交易流水和消费凭证，只能通过手机内的交易往来记录查看交易金额，无法与收银机账目对接；</p>
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                <p>2.商家收款码易被不法分子偷换，窃取商家钱款。</p>
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                <p class="news-big-title">二、商家收款码</p>
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                <p>商家收款码可实现聚合支付，即一个码可同时被微信支付与支付宝扫，商家码支持连接一些扫码设备的，比如扫码枪、扫码盒，可以去扫消费者的二维码，收款更便捷。</p>
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                <p class="news-big-title">三、个人码 VS 商家收款码</p>
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                <p class="font-bold">1.个人码不支持花呗、信用卡等信用支付，而商家码则支持。</p>
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                <p>年轻人普遍喜欢用花呗等信用方式付款，如果商家不支持花呗，那么必然会损失掉一部分客源。</p>
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                <p class="font-bold">2.个人码收款在提现时需要收取手续费，一般为 <span class="font-bold">0.1%</span> ；而商家码提现不需要手续费。</p>
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                <p class="font-bold">3.个人码收款一年限额20万，商家码无限额收款。</p>
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                <p>对于一个商家来说，如果你一年的收款额度超过 <span class="font-bold">20万</span> ，就没办法继续收款了，所以流水稍微大点的商家都会选用商家码。</p>
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                <p class="font-bold">4.个人码无法参与官方活动。</p>
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                <p>支付宝与微信经常做营销活动，比如满减、随机立减等，只有商家码收款才可以参与。</p>
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                <p class="font-bold">5.个人码只是个收银工具，而商家码可以享受更多功能和服务。</p>
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                <p>使用商家码的商家可以搭配营销系统及门店管理系统，更好地运营门店。</p>
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                <p class="font-bold">6.个人码不需要交易费率，这也是很多小微商家使用个人码的最大原因；商家码就要收取一定的交易手续费了，一般行业的费率在 0.38%~0.6% 左右。既然花了钱，就会得到相应的服务，所以，这个钱还是很值得的。</p>
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                <p class="news-big-title">四、刷脸支付</p>
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                <p>虽然商家码收款已经比较方便了，但是现在又兴起一种更高效、更时尚、更便捷的支付方式——刷脸支付。</p>
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                <p>刷脸支付省去手机介质（仅在首次使用时需输入手机号验证），不用带银行卡，也不用输密码，消费者仅凭人脸识别就能秒速完成付款，而且支持信用卡、花呗，可以大大的提升购物体验。</p>
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                <p>对商家来说，刷脸支付支持聚合支付，兼顾刷脸与扫码，可以提升运营效率，还能沉淀数据，实现支付即会员，自动发放优惠券，锁定意向客户做精准营销，增加回头客，门店业绩提升 <span class="font-bold">30%</span> 。</p>
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                <p>业内预计，未来3年刷脸支付将全面替代二维码，赶在刷脸支付大爆发前抢占先机，您将享受丰厚红利！</p>
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                <p>------------------------------------------------</p>
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                <p><a class="vm news-link" href="news_19.html"><span class="link-title">上一篇：</span>二维码已经很方便了，为何还要刷脸支付？</a></p>
                <p><a class="vm news-link" href="https://mp.weixin.qq.com/s?__biz=MzIyMDU4Mzc4Mg==&mid=100000127&idx=1&sn=180aee7faa0058360d60ca44775cad31&chksm=17c8837620bf0a60b640645c20cba2a297a565ad64ae479dc6a4402b556bb294f73d2547d50e&mpshare=1&scene=1&srcid=&sharer_sharetime=1576661024921&sharer_shareid=be65ab5627e8cf968e3e468d25af131a&key=5375aad9ad0b390bd7147ea29c7cf9a27f9370a00070ef4cd2f86c6248cab73eacccafb5622d731f63769c40f5ee7583e26dbf599215a151cae8d84bf4bdc89397b0f9009955460c794a71edbe4799ff&ascene=1&uin=MjE0ODQxNjIzNQ%3D%3D&devicetype=Windows+10&version=62070158&lang=zh_CN&exportkey=A2V0%2BwKCX9ao0uICWnpBaho%3D&pass_ticket=5EVWIkKxVt3NFV678mk31HHF1flY9ZhX8lGWrZRCmbEYitazftPCiTNzKqeNEK8X" target="_blank"><span class="link-title">下一篇：</span>关于爱智付刷脸支付最全面的介绍</a></p>
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